My partner’s step-father is a solicitor. I expect that I'll be able to get mate’s fee for conveyancing, but if not, what level of figure should I be expecting for conveyancing in Chelsfield?
You should contrast pricing. Do use our comparison tool on this page. Whilst prices seem to be different but service levels do differ between property lawyers as is true with the vast majority of professional services.
I am the registered owner of a freehold residence in Chelsfield yet pay rent, why is this and what is this?
It’s unusual for properties in Chelsfield and has limited impact for conveyancing in Chelsfield but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the creation of fresh rentcharges post 1977.
Old rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence in 2037 is to be extinguished.
I am selling my house in Chelsfield. Does the conveyancer need to be on the Nottingham conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Nottingham conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently at the moment.
Is there a list of Skipton panel solicitors in Chelsfield on the Building Society Association’s Website?
No. There is no such tool on the CML or Building Society Association websites. Very few mortgage companies make their panel listings visible online. If you are in need of a Chelsfield conveyancer on the Skipton please make the most of our tool.
We are getting a further advance on our mortgage from Santander as we intend to carry out improvements to our property in Chelsfield. Are we obliged to select a high street Chelsfield solicitor on the Santander conveyancing panel to handle the paperwork?
Santander do not ordinarily require firms on their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Santander list.
Co-operative have agreed my mortgage in principle, my offer on a property in Chelsfield has been accepted, what are the next steps?
Your estate agent will wish to be informed of your property lawyer's details (make sure the solicitors are on the bank’s approved list). Call up Co-operative or the financial adviser and finalise any outstanding forms. Co-operative will sellect a valuer who will get in contact with the estate agent or owners to arrange a slot for the valuation to occur. Once carried out (assuming no problems) it takes on average ten days to get a mortgage offer. Co-operative will issue the offer to you and your lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Chelsfield.
Me and my brother have a semi-detached Edwardian house in Chelsfield. Conveyancing solicitor represented me and Bank of Ireland. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold under the matching address. Is it worth asking Bank of Ireland to clarify?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chelsfield and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing practitioner who conducted the conveyancing.
I am looking for a flat up to £305k and identified one near me in Chelsfield I like with amenity areas and transport links in the vicinity, the downside is that it only has 52 years unexpired on the lease. I can't really find anything else in Chelsfield for this price, so just wondered if I would be making a mistake purchasing a short lease?
If you need a home loan the shortness of the lease may be an issue. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least twenty four months you can ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.